Credit & Lending

• What is the formula for calculating the number of payments on a loan?
• Is a negative credit card balance OK?
• What are the 3 C's of mortgage lending?
• How do I write a letter to fix my credit report?
• Do you subtract down payment from principal?
• How much is a 30-year mortgage on $300 000?
• What are 3 types of loans based on term?
• Can I take responsibility for someone else's debt?
• Do I need an appraisal for a HELOC?
• Why is 0 APR bad?
• What is the average down payment on a $25,000 car?
• What is the disadvantage of PMI?
• What are the disadvantages of unsecured creditors?
• What are the 5 Cs of borrowing?
• Can I ask for a lower interest rate on my credit card?
• What is the 10 percent rule for credit cards?
• Is 5% a good down payment?
• Who is the primarily liable on a promissory note?
• What triggers a new 3 day waiting period?
• What are unconventional loans?
• How much can a collection agency charge in interest?
• What are the negative effects of debt?
• Can I run my credit while in escrow?
• How long does a mortgage application take in underwriting?
• How do I add someone to my house?